Bankruptcy Lawyer in Massapequa Park, NY

Stop the Calls, Save Your Home

Get immediate relief from creditors and explore your debt relief options with an experienced bankruptcy attorney who understands Nassau County.

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Chapter 7 Bankruptcy Attorney

What Life Looks Like After

The phone stops ringing. Your paycheck stays in your account. You sleep through the night without worrying about losing your house.

That’s what happens when you file for bankruptcy with proper legal guidance. Chapter 7 bankruptcy can eliminate credit card debt, medical bills, and personal loans in as little as four months. Chapter 13 bankruptcy lets you keep your home while paying back what you can afford over three to five years.

You’re not just getting rid of debt. You’re getting your life back. The automatic stay kicks in the moment we file your case, which means creditors must stop all collection activities immediately. No more garnished wages. No more frozen bank accounts. No more sleepless nights.

Massapequa Park Bankruptcy Law Firm

We Know Nassau County Courts

The Frank Law Firm P.C. has been helping Long Island families navigate financial crisis for years. We know the local bankruptcy trustees, understand New York’s exemption laws, and have filed hundreds of cases in the Eastern District of New York.

We’re not a bankruptcy mill. We take time to understand your specific situation and explore every option before recommending bankruptcy. Sometimes that means negotiating with creditors or exploring foreclosure alternatives.

When bankruptcy is the right choice, we handle everything from start to finish. You get an experienced attorney, not a paralegal, managing your case.

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How to File for Bankruptcy

Your Path to Financial Freedom

First, we meet for a free consultation to review your debts, income, and assets. We’ll determine if you qualify for Chapter 7 or if Chapter 13 makes more sense for your situation. This meeting takes about an hour and there’s no pressure to hire us.

If you decide to move forward, we gather your financial documents and prepare your bankruptcy petition. We handle all the paperwork, including the means test, schedules, and required statements. Most clients are surprised by how much documentation is required, but we walk you through each step.

Once we file your case, the automatic stay goes into effect immediately. We’ll represent you at the meeting of creditors, which is typically the only court appearance required. For Chapter 7 cases, most people receive their discharge in about four months. Chapter 13 cases involve a payment plan that lasts three to five years.

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Debt Relief Lawyer Services

What's Included in Your Representation

Every bankruptcy case includes complete preparation of your petition, all required schedules and statements, and representation at the meeting of creditors. We also handle any issues that come up during your case, like creditor objections or trustee requests for additional information.

For Massapequa Park homeowners, we often combine bankruptcy with foreclosure defense. If you’re behind on mortgage payments, Chapter 13 bankruptcy can stop the foreclosure and give you up to five years to catch up on missed payments. We’ve helped dozens of Nassau County families save their homes this way.

We also provide pre-bankruptcy planning to help you maximize exemptions and protect assets. New York law allows you to keep your home equity up to certain limits, your car, retirement accounts, and basic household items. Proper planning ensures you keep everything you’re entitled to under the law.

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Court filing fees are $338 for Chapter 7 and $313 for Chapter 13, plus attorney fees which vary based on case complexity. We offer payment plans for attorney fees because we understand you’re already dealing with financial stress. During your free consultation, we’ll give you an exact quote based on your situation. Many clients are surprised to learn that bankruptcy is more affordable than continuing to make minimum payments on debt they’ll never pay off.
Not necessarily. New York’s homestead exemption protects up to $170,825 in home equity for most filers. If you’re current on mortgage payments and have equity within the exemption limit, you can keep your home in Chapter 7. Chapter 13 is specifically designed to help homeowners catch up on missed mortgage payments while keeping the house. We review your mortgage balance, home value, and payment history to determine the best strategy for protecting your home.
Chapter 7 eliminates most unsecured debts like credit cards and medical bills in about four months. You don’t make payments to creditors, but you must pass the means test showing your income is below the median for Nassau County. Chapter 13 involves a three to five-year payment plan where you pay back what you can afford. It’s often used by homeowners who are behind on mortgage payments or people whose income is too high for Chapter 7. Both stop creditor harassment immediately.
Chapter 7 bankruptcy stays on your credit report for 10 years, while Chapter 13 stays for 7 years. However, most clients see their credit scores start improving within 12-18 months after filing. That’s because you’re eliminating debt and can’t file Chapter 7 again for 8 years, making you less risky to lenders. Many clients qualify for car loans within a year and mortgages within 2-3 years. The key is rebuilding credit responsibly after your discharge.
Yes. The automatic stay that goes into effect when we file your bankruptcy case immediately stops wage garnishment, bank account levies, and all other collection activities. Your employer must stop taking money from your paycheck as soon as they receive notice of the bankruptcy filing. If creditors have already garnished wages, we may be able to recover some of that money depending on timing and circumstances. This immediate relief is one of the biggest benefits of filing bankruptcy.
Yes, federal law requires you to list all debts, even ones you want to keep paying. However, you can choose to reaffirm secured debts like your mortgage or car loan if you’re current on payments and want to keep the property. For unsecured debts, you must list everything including credit cards, medical bills, personal loans, and money owed to family members. Failing to list a debt can result in case dismissal or denial of discharge, so complete honesty is essential.

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